Our study aimed to identify the mechanisms of stress-induced and post-stress recovery states by evaluating voxel type and the total number of voxels activated based on Perceived Stress Scale scores. Functional MRI (fMRI) was used to measure the brain activation patterns in participants grouped into moderate- and high-stress categories. The number of activation voxels in the parahippocampal gyrus of the limbic lobe was greater in the high-stress group than in the moderate-stress group. Moreover, only the high-stress group showed the characteristic activation of the left precuneus. The moderate-stress group showed a greater number of activation voxels than the high-stress group for the occipital, frontal, and limbic lobes, while the reverse was true for the parietal lobe. In the post-stress recovery phase, the left lingual, inferior frontal, and middle frontal gyri were activated, and the number of activation voxels in these areas was greater in the high-stress group than in the moderate-stress group. The characteristic activation of the declive in the left cerebellum was observed in the moderate-stress group, whereas the activation of the right cuneus was dominant in the high-stress group. Our findings suggest that perceived stress may play an important role in determining the neural mechanisms underlying stress and post-stress recovery, providing insights into the complex interplay between the psychological and neural processes occurring in response to stress.